Putting members’ health before profit





HCF is Australia’s largest not-for-profit health fund. They have a proud history of putting people before profit and showing Uncommon Care for their members for over 90 years.

Unlike for-profit health insurers, HCF don’t pay shareholders. Instead, members’ premiums go towards covering the cost of their healthcare, as well as pioneering new ways to deliver the best health and wellbeing outcomes now and in the future.

For every dollar spent on premiums, HCF paid out an average of 90c back to their members, which is more than the industry average over the past 10 years*.

Through health events big or small, you can count on HCF. They’ve been awarded Outstanding Value Health Insurance by Canstar for 7 years running (2016 – 2022) and recognised for customer service excellence by the Customer Service Institute of Australia, winning the 2022 Best of the Best and Customer Service Organisation of the Year (large business) awards.

Putting their money where their members are. That’s pretty uncommon.

* 90% compared to 86% across the industry. Calculated based on the average of the past 10 years, sourced from APRA Statistics: Private Health Insurance Operations Reports 2013-22.


HCF is more than a health fund, offering Australians a range of protection in one place. Whether it’s flexible health cover options to suit your needs, help with recovery after you leave hospital*, insurance for your next big holiday^ or your precious pet~, they offer cover for the whole family.

If you’re moving to Australia for work, HCF’s Overseas Visitors Health Cover has a range of options to suit your needs.

* Recover Cover products are issued by HCF Life. Consider the relevant PDS and TMD at hcf.com.au/lifeinfo.
^ Issued and managed by AWP Australia Pty Ltd trading as Allianz Global Assistance for the insurer Allianz Australia Insurance Limited. Please consider the PDS and TMD available at allianzpartners.com.au/policies.
~ HCF Pet Insurance is issued by The Hollard Insurance Company Pty Ltd. Consider the PDS and TMD at hcf.com.au/petinsurance.


HCF is open to all Australian residents.


HCF operates in all Australian States and Territories.